Investor Profile Questionnaire
Please complete the following Investor Profile questionnaire.
I understand that investments necessarily fluctuate up and down in the markets. My attitude towards temporary market declines is:
a) I cannot accept any decline in the value of my investment capital, whether temporary or not.
b) A temporary decline of less than 5% is acceptable, although I would not want this to happen on a regular basis.
c) A temporary decline of 5-10% is acceptable to me.
d) A temporary decline of more than 10% is acceptable to me because I understand that in order to generate growth in my portfolio more volatile investments, such as equities, are required.
e) I am not concerned at all about temporary market declines and the impact they will have on the value of my portfolio.
Declines in the value of my portfolio would concern me if they persisted over the following period of time:
a) I cannot accept any declines in the value of my portfolio regardless of how long or short the period is.
b) A decline in the value of my portfolio over a one year period would concern me.
c) A decline in the value of my portfolio over a period of 2 years would concern me.
d) A decline in the value of my portfolio over a period longer than 2 years would concern me.
e) Focused on the long term, I am not concerned about declines in the value of my portfolio regardless of the timing.
The return pattern I would be most comfortable with can be described as:
a) Consistent returns year-to-year, but whatever the returns may be over time, they must be guaranteed.
b) Some fluctuation in returns each year as long as the return is positive.
c) Fluctuating returns each year are acceptable, but I would be concerned if I had 2 years in a row of negative returns.
d) Fluctuating returns each year are acceptable as long as the return over 4 to 5 years meets my expectations.
e) I am indifferent to the pattern of returns generated by my portfolio because I am only concerned about the amount earned over the long term.
I am planning to (or it is possible that I may need to) spend all or part of my principal investment over the following time horizon:
a) During the next 12 months.
b) 3 to 5 years.
c) 6-10 years.
d) I am not planning to spend any of my portfolio until I meet my long term investment objectives, but it is always possible that unforeseen events may require unanticipated expenditures.
e) I am not planning to spend any of my portfolio until I meet my long term investment objectives because, if emergencies arise, I will use other sources of capital.
For the income generated by my portfolio:
a) I absolutely require it to cover day-to-day living expenses.
b) I may spend some of it once in awhile.
c) I am not planning to spend any of the income, but it is possible that I might from time to time.
d) I will not spend any of the income because, if unforeseen expenditures arise, I will use other sources of income.
e) I will not spend any of the income and, in fact, will be investing more money over time.
How would you describe your cash flow:
a) The income I receive from my investment capital is critical to my financial well-being.
b) I have a single (or limited) source(s) of income but my income and expenditures are fairly predictable, although I may draw down on my portfolio to supplement my income.
c) I have a dependable and certain income flow; my income and expenditures pattern is expected to remain stable over time and I don’t plan to use my portfolio to supplement my income for the next 5 years.
d) My cash flow situation is good and I expect it to improve with more income in the future; in fact, I expect to continue to invest on a regular basis.
e) I have many sources of income that more than cover any expenditures, both planned and unanticipated, and I plan to invest more on a regular basis.
My main investment objective is to:
a) Protect my savings.
b) Earn a reasonable level of income on my savings.
c) Earn a reasonable level of income and realize growth of my original investment.
d) Grow the original investment through capital appreciation.
e) Aggressively grow the original investment through capital appreciation.
My portfolio represents:
a) The primary source of the income I need to live on.
b) An important source of current and near term income.
c) One of a number of sources of savings, but the most liquid source (e.g., the others may include a house or a pension fund).
d) An important source of capital and income for my longer term future.
e) My primary source of capital and income for my longer term future.
Relative to other assets I own, my portfolio is:
a) Absolutely critical in terms of my cash flow needs.
b) Significant in terms of my savings.
c) Important, but just one of a number of ways that I am accumulating wealth.
d) Not that significant now, but it is expected to be in the future.
e) Not that significant now, but I expect it to be one of my largest assets in the future.
The rate of return I expect on my portfolio is:
a) Irrelevant as long as my investment capital is guaranteed at all times.
b) At least 5% each and every year.
c) Over 5% on average and almost each and every year.
d) 8-10% on average over a number of years.
e) The highest return possible with a diversified portfolio.
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